Date Received: 2023-07-22
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I received a letter from Bank of America dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. I disputed the matter with BofA, however after their investigation, my acounts were closed. I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. I filed a police report with XXXX Police Department, in XXXX California, USA of Identity Theft, report number XXXX and with the Federal Trade Commision , FTC Ref . No. XXXX dated XX/XX/2012. I was receiving California State Unemployment benefits that were being deposited to my accounts here and with XXXX XXXX XXXX XXXX. I filed a complaint with CFPB against XXXX XXXX XXXX XXXX speratley.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: CFPB did not solve and to did not transfer into my complaint another solve or district Court for me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2023 I received an email from Bank of America stating they needed an additional {$45.00} to process the property valuation. ( See attached ) I immediately went to the Post Office to mail the {$45.00}. When I arrived at the Post Office there was XXXX person working and about XXXX people in front of me. I stood in line for XXXX hours and paid about {$30.00} to sent it priority mail. After I left the Post Office and a few days later I saw an email from Bank of America stating Great News no additional fee is needed and they would honor the previously letter. Its a Friday afternoon why didnt XXXX from Bank of America XXXX out and call me to say the {$45.00} is not needed. That way I wouldnt have to stand in line for XXXX hours at that XXXX XXXX. Terrible customer service. On Friday XX/XX/2023 after being told Bank of America would honor that original letter. On the same day XX/XX/2023 I received another letter from Bank of America with a new undisclosed rule stating it could take 21 days. At this point Bank of America is just making up and changing the rules as they go along. Why? This is Unethical and a bad business practice. This is a low risk loan. The house across the street sold XXXX for {$530000.00}. The house next to me sold for {$540000.00}. The house behind me sold in XXXX for {$530000.00}. My mortgage balance is less than {$250000.00}. Which means the equity is 60 %. Making this a low risk transaction. Most banks process these low risks transactions without sending anyone out. There is No requirement for PMI removal that someone has to come out. Banks routinely use another product for these low risks transactions. Why is Bank of America taking 21 days to process removing PMI? First it was as XXXX days, now XXXX? Why is Bank of America processing PMI deletion like a home purchase or refi loan?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I received a letter from Bank XXXX XXXX dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. I disputed the matter with XXXX, however after their investigation, my acounts were closed. I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. I filed a police report with XXXX Police Department, in XXXX California, XXXX of Identity Theft, report number XXXX and with the Federal Trade XXXX XXXX FTC XXXX XXXX No. XXXX dated XX/XX/2012. I was receiving California State Unemployment benefits that were being deposited to my accounts here and with XXXX XXXX XXXX, XXXX. I filed a complaint with CFPB against XXXX XXXX XXXX, XXXX speratley.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Refer to my case no. XXXX with bank of America on my recent fraud claim on XX/XX/XXXX my travel visa credit ending in XXXX. I received a letter only XX/XX/XXXX from the bank, said that my claim was declined reason is the fraud was issued by my phone. I reported I lost my phone before this fraud transaction was made and I was in financial centre calling the fraud department with banker at the time it was happened. On XX/XX/XXXX, I have reported my phone was lost and dont have access to receive message at Bank of America Financial center at XXXX. I was talking to fraud department on the phone at financial centre with the Banker XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX while this transaction was made. The first fraud transfer was made on my checking account, I went to the financial centre immediately when I received an alert that someone look into my online login, and they successfully login to my online banking by using my phone number to receive message, take control of my online banking. I went to the financial centre immediately, the banker XXXX XXXX, she helped me though the process and report fraud on my checking account at XXXX ; XXXX. I was talking to a person from Fraud department in Financial Centre regarding the transfer on my checking account, at the same time this fraud transfer was made {$2400.00} on my credit card XXXX. I call the fraud claim directly when I received a message from the bank on XX/XX/XXXX and I already reported that I dont have access from my phone before it happened, I havent issued any transfer on my credit card. The person add their device on my account on XX/XX/XXXX, and add the fund transfer by XXXX from my checking account, I only use my iphone XXXX XXXX XXXX with XXXX before this happened, they use an XXXX XXXX which showed on my online banking that do not have XXXX. Here are some of my evidence that the bank should have record regarding the fraud transfer happen. - The banker XXXX XXXX from Financial centre at XXXX XXXX XXXX, XXXX, can prove that I reported my phone lost and someone was fraudulently logged into my online bank at XXXX that morning, - At XXXX ; XXXX on XX/XX/XXXX, I was in financial centre with the banker XXXX XXXX, calling the fraud department using the phone from XXXX 's desk, talking to fraud department report the XXXX XXXX my phone, and report someone using my phone to receive message and logged in to my online banking, take control of my banking account since XXXX - Bank should have record that the text message was sent to my lost phone XXXX, which I already reported lost at XXXX - Online banking record showed that I'm using my XXXX XXXX XXXX XXXX with XXXX and my XXXX desktop using chrome to login XXXX my bank before. On the enrolled device list I found out from my online banking on XX/XX/XXXX, showed that there has an XXXX XXXX enrolled in my device list, I didn't approve this device and I never have it. The last transfer I made via mobile banking is XX/XX/XXXX XXXX making a transfer by using XXXX XXXX XXXX XXXX with XXXX XXXX, the only mobile device I am using since XXXX. The bank should have record that I only use my XXXXXXXX XXXX XXXXXXXX and desk top since XXXX. - Another issue I found out is, the credit card was expired on XX/XX/XXXX, and I havent activated yet, while the fraud happened, the card center sent me a replacement card which ending in XXXX on XX/XX/XXXX, right after I reported the fraud transfer. If the credit card never activated how they can use it and make a transfer? I havent used the my travel visa credit card for almost 4 years, back in XX/XX/XXXX, the last purchase I used was from XXXX for hotel booking, where I was travelling in XXXX. - I found there has another fake debit card and account was issued under my name and address by Bank of America, added into my two XXXX accounts. Here I attached the document. And back in XX/XX/XXXX, I dispute a fraud purchase of XXXX membership which issued directly from my checking, the bank already issued credit back to me. I am not sure how the person can use my bank account to pay the membership.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91710
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Good day In XX/XX/XXXX I applied for PMI deletion. Bank of America home loans sent a letter stating it would take ten days to hear from an agent after receiving a fee for a property valuation. ( See letter attached ) and a total processing time of 13 days. On XX/XX/XXXX Bank of America sent an email stating it would take XXXX days before I heard from an agents. See attachment On XX/XX/XXXX, the same day Bank of America stated it would take 10 days. Bank of America on the same day ( XX/XX/XXXX ) Bank of America sent a letter contradicting what the previous letter and email stated. See attached. Bank of America is now saying the processing time could take up to 21 days and to get a property evaluation it could take longer than ten days. At this point Bank of America is making up new rules as they go along. Adding and changing the rules is unfair to the consumer. The consumers need protection from these bad business practices
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My credit card company is deny my claim based on this letter from the company. XXXX, XXXX XXXX Fri, XX/XX/XXXX, XXXX ( 8 days ago ) to me Good afternoon, Thank you for reaching out to us regarding your visit to XXXX XXXX. I was recently provided with your ticket information and the images of the receipts that show the items you purchased at the front gate. After reviewing the ticket barcodes that you provided, we did see that they had been previously used at the park for entry on XX/XX/XXXX. The XXXX XXXX portion of the tickets were also used two times inside the park on the same day. Due to the inconvenience of this situation, we would like to offer you two additional single day tickets to visit the park by XX/XX/XXXX and we would also include two XXXX XXXX vouchers for you to use on a future visit with us. The tickets and XXXX XXXX will be sent to you separately from this email. Once again, thank you for contacting us and allowing us to look into this matter. I hope that we can see you again at the park soon! Thank you! XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX I am asking them to reopen Hello, Please reopen Claim number : XXXX for {$280.00}. Customers should not be held liable for the companys glitches, errors, or theft within a company. If I paid for a service, I should get it at the time I paid for it. Services was not rendered. I can not go back to XXXX XXXX in XXXX when I paid for hotel and plane tickets to go in XX/XX/XXXX. XXXX XXXX reuses their barcodes. If you were to call any of their parks, they will tell you that they reuse their bar codes. I purchased tickets for XXXX XXXX in XX/XX/XXXX, and you can see that in my bank statements. How could I have used the passes in XX/XX/XXXX. Unless I have some magical powers. My tickets were taken away ( stolen ) from me in the early morning by a crocked manager if the food passes were used twice that day. I did not use them I did not have them to be able to use them. The restaurants in the park open for lunch and afterwards. Either they gave my food passes to their friends, or it was a reused barcode. XXXX XXXX refused to give me a refund for their own mistakes, scams, corruption that is happening in the park and to hang onto my money they are giving me back what I bought to use in XXXX instead of refunding me money. I can not do anything legally to them because I live in another state. Which is why they are doing this and getting away with this. I can only ask my credit card company to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: Due to ongoing issues with a foreclosure case that is still open in XXXX XXXX, MD, Bank of America and their agents sold my home from underneath me, without a final ratification. I am trying to buy a home and it has been reported that there was a foreclosure in XXXX, but that is false information. Bank of America filed foreclosure paperwork against me in XXXX when I was only 2 months behind. They then bought the property back at auction sale on XX/XX/XXXX. Not XXXX. In XX/XX/XXXX, my home was sold to a realtor by the name of XXXX XXXX XXXX XXXX, of XXXX XXXX, XXXX XXXX, XXXX, who only wants the home to sell for investment purposes only. Bank of America has committed fraud and the Circuit Court did not have a final ratification on the actual XXXX sale to this day. This in turn is hurting my chances with getting new lending opportunities to get a new home because lenders require a 2 year removal of the foreclosure. The XXXX of Maryland Land records apparently is reporting that there was a foreclosure thanks to Bank of America 's agents, and that is not the correct title information. I am wrongfully foreclosed on my former property, and I am still in court trying to rectify the case with actual facts. However, there is no way to speak with Bank of America over the phone or get a clear response through the mail, because they tell me to speak with their law firm, XXXX XXXX XXXX and XXXX XXXX XXXX. They are the law firm who are the agents that wrongfully stole the home through false reporting to the XXXX of Maryland government that they had the rights to the home, and filed a Deed transfer ... without a final ratification per Maryland Law. Bank of America also wrote off the entire amount of my home to me for my XXXX taxes by claiming that I abandoned the property through a 1099-A, but that is not true neither. I am seeking help in correcting the title reporting of a supposed foreclosure, when it is still open and ongoing in the courts, and the reversal of the sale of the home. This is causing a hardship upon me at this time as a XXXX XXXX. Please note the other complaints since XXXX over this same former lender who bought my home loan, and the excuses given to CFPB over this same problem. I am hoping that action actually occurs because Bank of America will always continue to say to this government agency that they have done nothing wrong, and that the " foreclosure, '' was just. The home was never foreclosed upon officially in the Courts because it is still ongoing, not XXXX. Thank you. XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Since XX/XX/2023 the lender has disregarded my request for cancellation of automatic payments {$220.00} and this created a financial hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hello, my name is XXXX XXXX and I am writing to present my case and request help. This happened in XX/XX/XXXX when the crisis was hitting hard, I made the decision to look for a personal loan to help me with the expenses since my wife XXXX XXXX to my son XXXX months before, well I applied for a loan online for which I received a call saying that it had been approved that they would send me a text message to continue with the application, I received the message in the came a link saying that I had to link my bank account for the transfer, enter my username and password and finish with my information, they called me back saying that They would make three small transfers before they deposited the loan into my account and if there were 3 new transfers, the person who called me asked me to return the money through XXXX and gave me a phone call, he asked me to make a transfer for the amount of XXXX dollars and I did it, they asked me to make one more and that's where I read the origin of the three transactions, they were payment claims that I had made and the bank was returning the money, I immediately moved the remaining money from my account and contacted the bank of America I explained to a person who attended to me that person told me you have just been a victim of a scam for which he changed my username he asked me to create a new password and opened a new bank account for me he told me he would leave a note explaining what happened and to call the fraud department I did it but in that department they did not understand me, they thought that I was claiming as fraudulent the claims that the impostor made, which led to the judgment being against me. They withdrew the money from me on XX/XX/XXXX, leaving my negative account. I deposited an approximate amount of XXXX from XX/XX/XXXX to XX/XX/XXXX, which with the XXXX that was stolen would be approximately XXXX because of that money I never had anything since everything went in charges draft that the bank put before me and even when the account was frozen, each time my automatic payments made a transaction they charged me XXXX dollars and XXXX dollars more when the bank returned the money to itself in repeated ovations during the month of XXXX and XXXX, I reopened the claim and they failed me again saying that I gave consent that I made the transfer through XXXX, they also told me that if I had left the rest of the money in the account my version would be credible, who leaves the money to bandits if they are attacking me stealing I rescue it. I told them that it was not possible for a bank as big as them to have such a lack of experience as they are going to say that I was when another person posing as calls them and makes claims on my behalf what kind of bank gives my money to other people. They sent me a data sheet that I had to fill out I called them I told them to send it to me in XXXX they told me that if I never received it they ruled against me again I called them saying that I did not receive the sheet in XXXX they told me to translate it on XXXX or pay someone to do it we don't have those documents in XXXX that was all I decided to leave that since I had been fighting for 5 months. During those months, my credit card payments were not made, which caused me a greater debt, my credit ended in 379 months where I had to ask for money at high interest rates to be able to put food on the table because my baby was XXXX and it was frustrating to hear him cry and not be able to explain to him what was happening, he was just hungry and that broke me into a thousand pieces. My financial life changed completely. I spent hours on the phone and was never heard in the middle of the pandemic. I hope you can help me, I just found out that there is a class action lawsuit for people who suffered the same thing as me at that same institution, I want my peace of mind and my life back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A